COF
Valuation Ratios
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Price to Earnings | 15.36 | 10.94 | 5.17 | 5.37 | 19.05 |
| Price to Sales | 1.74 | 1.36 | 1.06 | 2.11 | 1.59 |
| Book Value Per Common Share | 478.33 | 458.13 | 413.69 | 442.39 | 393.51 |
| Price to Book | 0.37 | 0.29 | 0.22 | 0.33 | 0.25 |
| Price to Operating Cash Flow | 3.46 | 2.08 | 2.35 | 2.98 | 2.20 |
| Price to Free Cash Flow | |||||
| Enterprise Value to EBITDA | 23585.34 | 17252.53 | 13304.86 | 15715.50 | 32284.62 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-12-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 | 2020-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Price to Earnings | 924.26 | -31.57 | 51.82 | 16.75 | 30.63 | 47.42 | 9.41 | 18.70 | 41.45 | 6.19 | 9.78 | 23.24 | 7.53 | 10.52 | 18.02 | |||||
| Price to Sales | 3.59 | 4.78 | 6.87 | 1.98 | 2.81 | 6.05 | 1.36 | 2.34 | 4.13 | 1.44 | 2.55 | 6.59 | 3.26 | 4.85 | 8.20 | |||||
| Book Value Per Common Share | 348.75 | 336.34 | 312.19 | 478.33 | 164.94 | 151.84 | 151.29 | 458.13 | 140.86 | 143.03 | 143.06 | 413.69 | 133.15 | 139.15 | 141.22 | 442.39 | 147.65 | 144.86 | 133.95 | 393.51 |
| Price to Book | 0.61 | 0.63 | 0.57 | 0.37 | 0.91 | 0.91 | 0.98 | 0.29 | 0.69 | 0.76 | 0.67 | 0.22 | 0.69 | 0.75 | 0.93 | 0.33 | 1.10 | 1.07 | 0.95 | 0.25 |
| Price to Operating Cash Flow | 6.83 | 10.12 | 14.72 | 3.65 | 5.73 | 18.91 | 2.76 | 6.60 | 12.30 | 6.44 | 14.53 | -682.03 | 9.52 | 12.36 | 35.69 | |||||
| Price to Free Cash Flow | ||||||||||||||||||||
| Enterprise Value to EBITDA | 91042.72 | 32395948.10 | 93931.45 | 26435.07 | 40799.67 | 76623.67 | 17673.96 | 33660.77 | 62519.27 | 17499.52 | 28957.16 | 72474.57 | 22990.38 | 33310.59 | 58082.78 |
Earnings Data
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Earning YoY | -3.09 | -33.37 | -33.51 | 421.00 | |
| Revenue YoY | 6.32 | 7.41 | 12.53 | 6.70 | |
| EBITDA YoY | -0.30 | 8.51 | -30.27 | 171.91 | |
| Net Profit YoY | -2.80 | -33.60 | -40.60 | 356.52 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-12-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 | 2020-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Earning YoY | 97.79 | 43.95 | 76.24 | 152.16 | 39.91 | 88.50 | 46.39 | 108.22 | ||||||||||||
| Revenue YoY | 68.29 | 124.92 | 52.96 | 101.11 | 52.28 | 101.22 | 53.67 | 100.72 | 54.05 | 103.67 | ||||||||||
| EBITDA YoY | 35242.86 | -99.43 | 66.76 | 74.54 | 68.80 | 110.93 | 45.68 | 91.08 | 46.36 | 107.05 | ||||||||||
| Net Profit YoY | 94.67 | 46.64 | 74.86 | 149.06 | 38.20 | 84.52 | 45.24 | 106.35 |
Financial Strength
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Cash Per Common Share | 285.05 | 293.52 | 213.68 | 136.50 | 205.32 |
| Quick Ratio | |||||
| Current Ratio | |||||
| Debt to Equity | 2.74 | 2.99 | 3.15 | 2.67 | 2.44 |
| Long-Term Debt to Equity |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-12-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 | 2020-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash Per Common Share | 86.51 | 116.91 | 126.79 | 286.15 | 128.72 | 118.54 | 133.51 | 295.07 | 117.24 | 108.66 | 121.57 | 219.55 | 63.03 | 53.78 | 65.31 | 145.95 | 59.27 | 76.65 | 110.11 | 204.79 |
| Quick Ratio | ||||||||||||||||||||
| Current Ratio | ||||||||||||||||||||
| Debt to Equity | 2.23 | 2.34 | 3.60 | 2.74 | 4.09 | 4.15 | 4.37 | 2.99 | 4.52 | 4.42 | 4.67 | 3.15 | 4.64 | 4.82 | 4.30 | 2.67 | 3.70 | 3.35 | 3.51 | 2.44 |
| Long-Term Debt to Equity |
Profitability
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| ROA | 0.68 | 0.71 | 1.14 | 2.03 | 0.45 |
| ROE | 2.55 | 2.84 | 4.73 | 7.43 | 1.56 |
| Gross Margin | -19.56 | -17.26 | 29.86 | 73.57 | -47.26 |
| Operating Margin | 65.41 | 69.81 | 68.41 | 114.11 | 36.99 |
| EBITDA Margin | 73.69 | 78.58 | 77.79 | 125.54 | 49.27 |
| Net Profit Margin | 12.14 | 13.28 | 21.49 | 40.71 | 9.52 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-12-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 | 2020-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROA | 0.04 | 0.23 | 0.61 | 0.31 | 0.21 | 0.71 | 0.41 | 0.17 | 1.12 | 0.82 | 0.46 | 1.94 | 1.34 | 0.64 | ||||||
| ROE | 0.12 | 1.07 | 3.12 | 1.62 | 1.15 | 3.94 | 2.22 | 0.94 | 6.34 | 4.79 | 2.43 | 9.10 | 5.81 | 2.88 | ||||||
| Gross Margin | 98.47 | 97.85 | 2.73 | -25.07 | -38.25 | -18.24 | -14.99 | -22.36 | -31.01 | 44.27 | 56.50 | 66.44 | 56.73 | 44.04 | 53.59 | |||||
| Operating Margin | 29.56 | -7.92 | 64.98 | 66.34 | 59.98 | 70.39 | 67.79 | 60.39 | 51.95 | 70.42 | 74.29 | 78.17 | 124.09 | 131.17 | 128.65 | |||||
| EBITDA Margin | 39.22 | 0.19 | 73.10 | 74.71 | 68.53 | 78.96 | 76.69 | 69.18 | 66.00 | 79.81 | 84.19 | 88.44 | 135.87 | 143.00 | 140.67 | |||||
| Net Profit Margin | 0.84 | 14.04 | 12.63 | 9.93 | 13.61 | 15.33 | 13.35 | 10.78 | 24.31 | 27.03 | 29.40 | 44.65 | 47.36 | 46.75 |
Dividends
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Dividend Yield | |||||
| Dividend Payout Ratio |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-12-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 | 2020-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | ||||||||||||||||||||
| Dividend Payout Ratio |
Financial Statements
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Assets | 696,273,000.00 | 686,068,000.00 | 646,142,000.00 | 611,428,000.00 | 599,799,000.00 |
| Deposits | 1,088,121,000.00 | 1,045,239,000.00 | 998,976,000.00 | 932,940,000.00 | 916,326,000.00 |
| Cash and Short-Term Investments | 109,090,000.00 | 112,241,000.00 | 83,718,000.00 | 60,402,000.00 | 93,994,000.00 |
| Cash and Cash Equivalents | 109,090,000.00 | 112,241,000.00 | 83,718,000.00 | 60,402,000.00 | 93,994,000.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 400,949,000.00 | 393,354,000.00 | 1,282,088,000.00 | 1,099,390,000.00 | 1,825,911,000.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 5,485,000.00 | 5,384,000.00 | 5,479,000.00 | 5,347,000.00 | 5,603,000.00 |
| Goodwill | 15,059,000.00 | 15,065,000.00 | 14,777,000.00 | 14,782,000.00 | 14,653,000.00 |
| Intangible Assets | 270,000.00 | 310,000.00 | 183,000.00 | 131,000.00 | 306,000.00 |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 |
| Non-Current Deferred Assets | 0 | 0 | 0 | 0 | 117,000.00 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 510,340,000.00 | 513,994,000.00 | 490,512,000.00 | 444,655,000.00 | 425,283,000.00 |
| Payables and Expenses | 0 | 0 | 0 | 0 | 0 |
| Account Payables | 0 | 0 | 0 | 0 | 0 |
| Current Accrued Liabilities | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 562,000.00 | 538,000.00 | 883,000.00 | 820,000.00 | 668,000.00 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 |
| Long-Term Debt | 44,989,000.00 | 49,318,000.00 | 47,832,000.00 | 42,266,000.00 | 39,871,000.00 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 | 0 |
| Equity | 185,933,000.00 | 172,074,000.00 | 155,630,000.00 | 166,773,000.00 | 174,516,000.00 |
| Shareholders Equity | 182,352,000.00 | 174,267,000.00 | 157,746,000.00 | 183,087,000.00 | 180,612,000.00 |
| Capital Stock | 7,000.00 | 7,000.00 | 7,000.00 | 7,000.00 | 7,000.00 |
| Share Premium | 36,428,000.00 | 35,541,000.00 | 34,725,000.00 | 34,112,000.00 | 33,480,000.00 |
| Retained Earnings | 64,505,000.00 | 60,945,000.00 | 57,184,000.00 | 51,006,000.00 | 40,088,000.00 |
| Treasury Shares | 30,870,000.00 | 30,136,000.00 | 29,418,000.00 | 24,470,000.00 | 16,865,000.00 |
| Accumulated Other Comprehensive Income | -27,858,000.00 | -24,804,000.00 | -29,748,000.00 | 1,122,000.00 | 10,482,000.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 |
| Investments | 327,775,000.00 | 1,670,000.00 | 936,993,000.00 | 832,020,000.00 | 2,191,539,000.00 |
| Debt | 75,680,000.00 | 81,408,000.00 | 77,969,000.00 | 66,630,000.00 | 63,433,000.00 |
| Net Debt | 0 | 0 | 0 | 6,228,000.00 | 0 |
| Common Shares Outstanding | 381,230.34 | 380,389.61 | 381,318.70 | 413,858.54 | 458,972.20 |
| Preferred Shares Outstanding | 4,975.00 | 4,975.00 | 4,975.00 | 4,975.00 | 4,975.00 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Revenues | 39,112,000.00 | 36,787,000.00 | 34,250,000.00 | 30,435,000.00 | 28,523,000.00 |
| Cost Of Revenue | 46,762,000.00 | 43,137,000.00 | 24,022,000.00 | 8,044,000.00 | 42,002,000.00 |
| Interest Income | 52,936,000.00 | 48,181,000.00 | 34,159,000.00 | 27,426,000.00 | 28,178,000.00 |
| Interest Expense | 14,826,000.00 | 14,854,000.00 | 5,089,000.00 | 1,987,000.00 | 3,627,000.00 |
| Net Interest | 61,220,000.00 | 57,288,000.00 | 54,110,000.00 | 49,300,000.00 | 46,402,000.00 |
| Non-Interest Income | 15,908,000.00 | 15,183,000.00 | 14,257,000.00 | 12,502,000.00 | 11,093,000.00 |
| Non-Interest Expense | 43,068,000.00 | 40,702,000.00 | 38,361,000.00 | 33,176,000.00 | 30,145,000.00 |
| Provisions for Credit Losses | 46,762,000.00 | 43,137,000.00 | 24,022,000.00 | -8,044,000.00 | 42,002,000.00 |
| Gross Profit | -7,650,000.00 | -6,350,000.00 | 10,228,000.00 | 22,391,000.00 | -13,479,000.00 |
| Selling, General and Administrative Expenses | 12,290,000.00 | 7,552,000.00 | 7,446,000.00 | 6,136,000.00 | 4,943,000.00 |
| EBT | 10,759,000.00 | 10,828,000.00 | 18,343,000.00 | 32,741,000.00 | 6,924,000.00 |
| Income Tax | 1,977,000.00 | 1,929,000.00 | 3,543,000.00 | 7,019,000.00 | 1,008,000.00 |
| Net Income | 4,750,000.00 | 4,887,000.00 | 7,360,000.00 | 12,390,000.00 | 2,714,000.00 |
| EBIT | 25,585,000.00 | 25,682,000.00 | 23,432,000.00 | 34,728,000.00 | 10,551,000.00 |
| Deprecation and Amortization | 3,237,000.00 | 3,226,000.00 | 3,210,000.00 | 3,481,000.00 | 3,501,000.00 |
| EBITDA | 28,822,000.00 | 28,908,000.00 | 26,642,000.00 | 38,209,000.00 | 14,052,000.00 |
| EPS | 0.01 | 0.01 | 0.02 | 0.03 | 0.01 |
| Diluted EPS | 0.01 | 0.01 | 0.02 | 0.03 | 0.01 |
| Average Shares Outstanding Basic | 382,700.00 | 382,400.00 | 391,800.00 | 442,500.00 | 457,800.00 |
| Average Shares Outstanding Diluted | 383,600.00 | 383,400.00 | 393,200.00 | 444,200.00 | 458,900.00 |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Operating Cash Flow | 19,695,000.00 | 24,149,000.00 | 15,487,000.00 | 21,531,000.00 | 20,531,000.00 |
| Operating Net Income | 7,844,000.00 | 7,810,000.00 | 14,500,000.00 | 26,488,000.00 | 6,256,000.00 |
| Deprecation and Amortization | 3,237,000.00 | 3,226,000.00 | 3,210,000.00 | 3,481,000.00 | 3,501,000.00 |
| Deferred Income Tax | -853,000.00 | -723,000.00 | -772,000.00 | 605,000.00 | -1,627,000.00 |
| Share Based Compensation | 569,000.00 | 513,000.00 | 314,000.00 | 331,000.00 | 203,000.00 |
| Change in Working Capital | -607,000.00 | 1,611,000.00 | 4,371,000.00 | 5,620,000.00 | -141,000.00 |
| Other Operating Activities | 9,505,000.00 | 11,712,000.00 | -6,136,000.00 | -14,994,000.00 | 12,339,000.00 |
| Investing Cash Flow | -28,974,000.00 | -21,515,000.00 | -28,513,000.00 | -29,764,000.00 | -16,960,000.00 |
| Capital Expenditure | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Purchase/Sale of PPE | 1,204,000.00 | 961,000.00 | 934,000.00 | 698,000.00 | 710,000.00 |
| Net Purchase/Sale of Investments Net | 30,824,000.00 | 20,902,000.00 | 37,122,000.00 | 58,297,000.00 | 66,984,000.00 |
| Net Purchase/Sale of Business | 0 | 2,785,000.00 | 1,176,000.00 | 669,000.00 | 7,000.00 |
| Net Loan & Lease Activity | 3,001,000.00 | 2,288,000.00 | 2,091,000.00 | 2,506,000.00 | 2,452,000.00 |
| Other Investing Activities | -64,003,000.00 | -48,451,000.00 | -69,836,000.00 | -91,934,000.00 | -87,113,000.00 |
| Financing Cash Flow | 6,174,000.00 | 13,506,000.00 | 27,321,000.00 | -6,556,000.00 | 23,380,000.00 |
| Net Issuance/Repayment of Debt | 27,000.00 | -351,000.00 | 44,000.00 | 129,000.00 | -6,674,000.00 |
| Net Issuance/Repurchase of Equity | 2,122,000.00 | 2,054,000.00 | 10,486,000.00 | 19,930,000.00 | 4,052,000.00 |
| Dividends Paid | 2,320,000.00 | 2,318,000.00 | 2,356,000.00 | 2,844,000.00 | 1,480,000.00 |
| Other Financing Activities | 1,705,000.00 | 9,485,000.00 | 14,435,000.00 | -29,459,000.00 | 24,522,000.00 |
| Net Change in Cash | -3,101,000.00 | 16,140,000.00 | 14,298,000.00 | -14,783,000.00 | 26,948,000.00 |
| Cash at Beginning of Period | 46,772,000.00 | 27,615,000.00 | 16,958,000.00 | 36,837,000.00 | 13,823,000.00 |
| Cash at End of Period | 43,671,000.00 | 43,755,000.00 | 31,256,000.00 | 22,054,000.00 | 40,771,000.00 |
| Free Cash Flow | 0 | 0 | 0 | 0 | 0 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-12-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 | 2020-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | 864,287,000.00 | 855,531,000.00 | 603,413,000.00 | 696,273,000.00 | 595,393,000.00 | 598,230,000.00 | 596,056,000.00 | 686,068,000.00 | 585,048,000.00 | 582,904,000.00 | 580,062,000.00 | 646,142,000.00 | 545,197,000.00 | 538,277,000.00 | 523,958,000.00 | 611,428,000.00 | 514,285,000.00 | 513,180,000.00 | 519,825,000.00 | 599,799,000.00 |
| Deposits | 1,406,355,000.00 | 1,404,330,000.00 | 1,102,392,000.00 | 1,088,121,000.00 | 1,060,893,000.00 | 1,054,326,000.00 | 1,052,907,000.00 | 1,045,239,000.00 | 1,038,033,000.00 | 1,031,115,000.00 | 1,049,481,000.00 | 998,976,000.00 | 951,579,000.00 | 923,655,000.00 | 940,287,000.00 | 932,940,000.00 | 917,814,000.00 | 918,924,000.00 | 930,984,000.00 | 916,326,000.00 |
| Cash and Short-Term Investments | 55,279,000.00 | 59,109,000.00 | 48,573,000.00 | 109,090,000.00 | 49,298,000.00 | 45,414,000.00 | 51,028,000.00 | 112,241,000.00 | 44,869,000.00 | 41,596,000.00 | 46,513,000.00 | 83,718,000.00 | 24,892,000.00 | 21,553,000.00 | 26,804,000.00 | 60,402,000.00 | 26,624,000.00 | 34,846,000.00 | 50,495,000.00 | 93,994,000.00 |
| Cash and Cash Equivalents | 55,279,000.00 | 59,109,000.00 | 48,573,000.00 | 109,090,000.00 | 49,298,000.00 | 45,414,000.00 | 51,028,000.00 | 112,241,000.00 | 44,869,000.00 | 41,596,000.00 | 46,513,000.00 | 83,718,000.00 | 24,892,000.00 | 21,553,000.00 | 26,804,000.00 | 60,402,000.00 | 26,624,000.00 | 34,846,000.00 | 50,495,000.00 | 93,994,000.00 |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 509,612,000.00 | 506,997,000.00 | 393,098,000.00 | 400,949,000.00 | 395,886,000.00 | 394,631,000.00 | 383,788,000.00 | 393,354,000.00 | 1,324,234,000.00 | 1,311,443,000.00 | 1,265,376,000.00 | 1,282,088,000.00 | 1,249,716,000.00 | 1,175,656,000.00 | 1,112,035,000.00 | 1,099,390,000.00 | 1,035,405,000.00 | 1,798,545,000.00 | 1,760,096,000.00 | 1,825,911,000.00 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Property, Plant, Equipment Net | 5,576,000.00 | 5,687,000.00 | 4,579,000.00 | 5,485,000.00 | 4,440,000.00 | 4,396,000.00 | 4,366,000.00 | 5,384,000.00 | 4,378,000.00 | 4,359,000.00 | 4,365,000.00 | 5,479,000.00 | 4,265,000.00 | 4,238,000.00 | 4,238,000.00 | 5,347,000.00 | 4,204,000.00 | 4,227,000.00 | 4,277,000.00 | 5,603,000.00 |
| Goodwill | 28,863,000.00 | 28,335,000.00 | 15,070,000.00 | 15,059,000.00 | 15,083,000.00 | 15,062,000.00 | 15,062,000.00 | 15,065,000.00 | 15,048,000.00 | 15,060,000.00 | 14,779,000.00 | 14,777,000.00 | 14,771,000.00 | 14,778,000.00 | 14,784,000.00 | 14,782,000.00 | 14,652,000.00 | 14,654,000.00 | 14,654,000.00 | 14,653,000.00 |
| Intangible Assets | 17,042,000.00 | 18,157,000.00 | 281,000.00 | 270,000.00 | 253,000.00 | 271,000.00 | 290,000.00 | 310,000.00 | 332,000.00 | 356,000.00 | 367,000.00 | 183,000.00 | 183,000.00 | 159,000.00 | 145,000.00 | 131,000.00 | 124,000.00 | 251,000.00 | 247,000.00 | 306,000.00 |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Non-Current Deferred Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 117,000.00 |
| Other Non-Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Liabilities | 596,349,000.00 | 599,630,000.00 | 472,215,000.00 | 510,340,000.00 | 478,306,000.00 | 482,019,000.00 | 485,062,000.00 | 513,994,000.00 | 478,979,000.00 | 475,359,000.00 | 477,829,000.00 | 490,512,000.00 | 448,532,000.00 | 445,747,000.00 | 425,118,000.00 | 444,655,000.00 | 404,757,000.00 | 395,120,000.00 | 404,442,000.00 | 425,283,000.00 |
| Payables and Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Account Payables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Current Accrued Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 616,000.00 | 742,000.00 | 573,000.00 | 562,000.00 | 520,000.00 | 715,000.00 | 568,000.00 | 538,000.00 | 522,000.00 | 649,000.00 | 542,000.00 | 883,000.00 | 528,000.00 | 440,000.00 | 4,594,000.00 | 820,000.00 | 825,000.00 | 845,000.00 | 842,000.00 | 668,000.00 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long-Term Debt | 50,866,000.00 | 51,924,000.00 | 41,200,000.00 | 44,989,000.00 | 48,816,000.00 | 47,241,000.00 | 49,793,000.00 | 49,318,000.00 | 48,725,000.00 | 49,609,000.00 | 48,235,000.00 | 47,832,000.00 | 54,079,000.00 | 58,498,000.00 | 40,764,000.00 | 42,266,000.00 | 36,676,000.00 | 35,498,000.00 | 37,608,000.00 | 39,871,000.00 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Equity | 267,938,000.00 | 255,901,000.00 | 131,198,000.00 | 185,933,000.00 | 117,087,000.00 | 116,211,000.00 | 110,994,000.00 | 172,074,000.00 | 106,069,000.00 | 107,545,000.00 | 102,233,000.00 | 155,630,000.00 | 96,665,000.00 | 92,530,000.00 | 98,840,000.00 | 166,773,000.00 | 109,528,000.00 | 118,060,000.00 | 115,383,000.00 | 174,516,000.00 |
| Shareholders Equity | 221,709,000.00 | 215,093,000.00 | 119,555,000.00 | 182,352,000.00 | 62,925,000.00 | 57,981,000.00 | 57,801,000.00 | 174,267,000.00 | 53,668,000.00 | 54,559,000.00 | 54,653,000.00 | 157,746,000.00 | 50,861,000.00 | 53,410,000.00 | 56,345,000.00 | 183,087,000.00 | 63,544,000.00 | 64,624,000.00 | 61,188,000.00 | 180,612,000.00 |
| Capital Stock | 7,000.00 | 7,000.00 | 7,000.00 | 7,000.00 | 7,000.00 | 7,000.00 | 7,000.00 | 7,000.00 | 7,000.00 | 7,000.00 | 7,000.00 | 7,000.00 | 7,000.00 | 7,000.00 | 7,000.00 | 7,000.00 | 7,000.00 | 7,000.00 | 7,000.00 | 7,000.00 |
| Share Premium | 63,725,000.00 | 63,465,000.00 | 36,693,000.00 | 36,428,000.00 | 36,216,000.00 | 36,012,000.00 | 35,808,000.00 | 35,541,000.00 | 35,334,000.00 | 35,163,000.00 | 34,952,000.00 | 34,725,000.00 | 34,579,000.00 | 34,425,000.00 | 34,286,000.00 | 34,112,000.00 | 35,051,000.00 | 35,472,000.00 | 33,671,000.00 | 33,480,000.00 |
| Retained Earnings | 63,624,000.00 | 60,892,000.00 | 65,616,000.00 | 64,505,000.00 | 63,698,000.00 | 62,211,000.00 | 61,905,000.00 | 60,945,000.00 | 60,529,000.00 | 59,028,000.00 | 57,898,000.00 | 57,184,000.00 | 56,240,000.00 | 54,836,000.00 | 53,099,000.00 | 51,006,000.00 | 48,944,000.00 | 46,461,000.00 | 43,167,000.00 | 40,088,000.00 |
| Treasury Shares | 7,626,000.00 | 6,589,000.00 | 31,245,000.00 | 30,870,000.00 | 30,709,000.00 | 30,548,000.00 | 30,385,000.00 | 30,136,000.00 | 29,978,000.00 | 29,821,000.00 | 29,664,000.00 | 29,418,000.00 | 29,261,000.00 | 28,942,000.00 | 26,954,000.00 | 24,470,000.00 | 21,818,000.00 | 19,108,000.00 | 17,440,000.00 | 16,865,000.00 |
| Accumulated Other Comprehensive Income | -5,917,000.00 | -6,819,000.00 | -7,529,000.00 | -27,858,000.00 | -18,861,000.00 | -29,103,000.00 | -28,602,000.00 | -24,804,000.00 | -36,672,000.00 | -29,454,000.00 | -25,620,000.00 | -29,748,000.00 | -32,112,000.00 | -20,748,000.00 | -12,279,000.00 | 1,122,000.00 | 4,080,000.00 | 5,376,000.00 | 5,349,000.00 | 10,482,000.00 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 443,159,000.00 | 439,297,000.00 | 323,598,000.00 | 327,775,000.00 | 320,243,000.00 | 318,186,000.00 | 315,154,000.00 | 1,670,000.00 | 944,340,000.00 | 933,969,000.00 | 926,508,000.00 | 936,993,000.00 | 911,829,000.00 | 889,152,000.00 | 841,398,000.00 | 832,020,000.00 | 784,170,000.00 | 2,188,800,000.00 | 2,131,498,000.00 | 2,191,539,000.00 |
| Debt | 50,847,000.00 | 51,909,000.00 | 41,669,000.00 | 75,680,000.00 | 49,298,000.00 | 47,685,000.00 | 51,069,000.00 | 81,408,000.00 | 49,900,000.00 | 50,688,000.00 | 49,411,000.00 | 77,969,000.00 | 47,641,000.00 | 49,155,000.00 | 42,016,000.00 | 66,630,000.00 | 38,118,000.00 | 36,939,000.00 | 39,038,000.00 | 63,433,000.00 |
| Net Debt | 0 | 0 | 0 | 0 | 0 | 2,271,000.00 | 41,000.00 | 0 | 5,031,000.00 | 9,092,000.00 | 2,898,000.00 | 0 | 22,749,000.00 | 27,602,000.00 | 15,212,000.00 | 6,228,000.00 | 11,494,000.00 | 2,093,000.00 | 0 | 0 |
| Common Shares Outstanding | 635,733.60 | 639,517.31 | 382,959.19 | 381,230.34 | 381,510.34 | 381,856.15 | 382,063.34 | 380,389.61 | 380,991.15 | 381,441.45 | 382,030.28 | 381,318.70 | 381,976.33 | 383,817.72 | 398,987.72 | 413,858.54 | 430,375.95 | 446,113.77 | 456,800.84 | 458,972.20 |
| Preferred Shares Outstanding | 4,980.70 | 4,980.70 | 4,975.00 | 4,975.00 | 4,975.00 | 4,975.00 | 4,975.00 | 4,975.00 | 4,975.00 | 4,975.00 | 4,975.00 | 4,975.00 | 4,975.00 | 4,975.00 | 4,975.00 | 4,975.00 | 6,075.00 | 6,650.00 | 4,975.00 | 4,975.00 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-12-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenues | 37,851,000.00 | 22,492,000.00 | 10,000,000.00 | -18,120,000.00 | 28,922,000.00 | 18,908,000.00 | 9,402,000.00 | -17,312,000.00 | 27,281,000.00 | 17,915,000.00 | 8,903,000.00 | -15,538,000.00 | 25,210,000.00 | 16,405,000.00 | 8,173,000.00 | -13,482,000.00 | 22,317,000.00 | 14,487,000.00 | 7,113,000.00 |
| Cost Of Revenue | 581,000.00 | 484,000.00 | 9,727,000.00 | -26,669,000.00 | 36,173,000.00 | 26,141,000.00 | 11,117,000.00 | -21,818,000.00 | 31,371,000.00 | 21,920,000.00 | 11,664,000.00 | 94,000.00 | 14,049,000.00 | 7,136,000.00 | 2,743,000.00 | -13,020,000.00 | 9,656,000.00 | 8,107,000.00 | 3,301,000.00 |
| Interest Income | 46,183,000.00 | 27,886,000.00 | 12,679,000.00 | -22,673,000.00 | 38,174,000.00 | 25,001,000.00 | 12,434,000.00 | -18,774,000.00 | 34,110,000.00 | 22,060,000.00 | 10,785,000.00 | -11,436,000.00 | 23,608,000.00 | 14,786,000.00 | 7,201,000.00 | -12,499,000.00 | 20,064,000.00 | 13,193,000.00 | 6,668,000.00 |
| Interest Expense | 11,597,000.00 | 7,238,000.00 | 3,405,000.00 | -7,499,000.00 | 11,207,000.00 | 7,430,000.00 | 3,688,000.00 | -2,402,000.00 | 9,069,000.00 | 5,620,000.00 | 2,567,000.00 | 1,579,000.00 | 2,160,000.00 | 964,000.00 | 386,000.00 | -499,000.00 | 1,215,000.00 | 833,000.00 | 438,000.00 |
| Net Interest | 36,395,115,000.00 | 59,298,000.00 | 15,788,000.00 | -28,191,000.00 | 45,291,000.00 | 29,451,000.00 | 14,669,000.00 | -27,444,000.00 | 42,574,000.00 | 28,045,000.00 | 14,113,000.00 | -24,767,000.00 | 39,939,000.00 | 26,017,000.00 | 12,921,000.00 | -22,364,000.00 | 36,173,000.00 | 23,611,000.00 | 11,880,000.00 |
| Non-Interest Income | 8,411,878,000.00 | 14,410,000.00 | 1,987,000.00 | 4,308,000.00 | 5,812,000.00 | 3,874,000.00 | 1,914,000.00 | 4,291,000.00 | 5,559,000.00 | 3,616,000.00 | 1,717,000.00 | 3,697,000.00 | 5,293,000.00 | 3,491,000.00 | 1,776,000.00 | 3,693,000.00 | 4,596,000.00 | 2,922,000.00 | 1,291,000.00 |
| Non-Interest Expense | 21,156,000.00 | 12,893,000.00 | 5,902,000.00 | 12,451,000.00 | 15,397,000.00 | 10,083,000.00 | 5,137,000.00 | 11,419,000.00 | 14,599,000.00 | 9,739,000.00 | 4,945,000.00 | 10,593,000.00 | 14,083,000.00 | 9,134,000.00 | 4,551,000.00 | 9,838,000.00 | 11,892,000.00 | 7,706,000.00 | 3,740,000.00 |
| Provisions for Credit Losses | 581,000.00 | 484,000.00 | 9,727,000.00 | -26,669,000.00 | 36,173,000.00 | 26,141,000.00 | 11,117,000.00 | -21,818,000.00 | 31,371,000.00 | 21,920,000.00 | 11,664,000.00 | 94,000.00 | 14,049,000.00 | 7,136,000.00 | 2,743,000.00 | 13,020,000.00 | -9,656,000.00 | -8,107,000.00 | -3,301,000.00 |
| Gross Profit | 37,270,000.00 | 22,008,000.00 | 273,000.00 | 8,549,000.00 | -7,251,000.00 | -7,233,000.00 | -1,715,000.00 | 4,506,000.00 | -4,090,000.00 | -4,005,000.00 | -2,761,000.00 | -15,632,000.00 | 11,161,000.00 | 9,269,000.00 | 5,430,000.00 | -462,000.00 | 12,661,000.00 | 6,380,000.00 | 3,812,000.00 |
| Selling, General and Administrative Expenses | 7,446,000.00 | 4,711,000.00 | 2,216,000.00 | 547,000.00 | 5,943,000.00 | 3,885,000.00 | 1,915,000.00 | -3,019,000.00 | 5,325,000.00 | 3,491,000.00 | 1,755,000.00 | -3,339,000.00 | 5,422,000.00 | 3,593,000.00 | 1,770,000.00 | -2,156,000.00 | 4,284,000.00 | 2,733,000.00 | 1,275,000.00 |
| EBT | -408,000.00 | -9,019,000.00 | 3,093,000.00 | -4,061,000.00 | 7,979,000.00 | 3,911,000.00 | 2,930,000.00 | -5,852,000.00 | 9,424,000.00 | 5,198,000.00 | 2,058,000.00 | -14,477,000.00 | 15,593,000.00 | 11,224,000.00 | 6,003,000.00 | -20,620,000.00 | 26,478,000.00 | 18,170,000.00 | 8,713,000.00 |
| Income Tax | 496,000.00 | 2,836,000.00 | 561,000.00 | -508,000.00 | 1,361,000.00 | 577,000.00 | 547,000.00 | -941,000.00 | 1,670,000.00 | 859,000.00 | 341,000.00 | -2,948,000.00 | 3,182,000.00 | 2,198,000.00 | 1,111,000.00 | -4,553,000.00 | 5,801,000.00 | 3,955,000.00 | 1,816,000.00 |
| Net Income | 319,000.00 | 0 | 1,404,000.00 | -2,061,000.00 | 3,654,000.00 | 1,877,000.00 | 1,280,000.00 | -2,645,000.00 | 4,181,000.00 | 2,391,000.00 | 960,000.00 | -5,605,000.00 | 6,128,000.00 | 4,434,000.00 | 2,403,000.00 | -7,761,000.00 | 9,965,000.00 | 6,861,000.00 | 3,325,000.00 |
| EBIT | 11,189,000.00 | -1,781,000.00 | 6,498,000.00 | -11,560,000.00 | 19,186,000.00 | 11,341,000.00 | 6,618,000.00 | -8,254,000.00 | 18,493,000.00 | 10,818,000.00 | 4,625,000.00 | -12,898,000.00 | 17,753,000.00 | 12,188,000.00 | 6,389,000.00 | -21,119,000.00 | 27,693,000.00 | 19,003,000.00 | 9,151,000.00 |
| Deprecation and Amortization | 3,655,000.00 | 1,823,000.00 | 812,000.00 | -1,609,000.00 | 2,423,000.00 | 1,617,000.00 | 806,000.00 | -2,029,000.00 | 2,428,000.00 | 1,576,000.00 | 1,251,000.00 | -1,619,000.00 | 2,367,000.00 | 1,623,000.00 | 839,000.00 | -1,716,000.00 | 2,628,000.00 | 1,714,000.00 | 855,000.00 |
| EBITDA | 14,844,000.00 | 42,000.00 | 7,310,000.00 | -13,169,000.00 | 21,609,000.00 | 12,958,000.00 | 7,424,000.00 | -10,283,000.00 | 20,921,000.00 | 12,394,000.00 | 5,876,000.00 | -14,517,000.00 | 20,120,000.00 | 13,811,000.00 | 7,228,000.00 | -22,835,000.00 | 30,321,000.00 | 20,717,000.00 | 10,006,000.00 |
| EPS | 0.00 | -0.01 | 0.00 | -0.00 | 0.01 | 0.00 | 0.00 | -0.00 | 0.01 | 0.01 | 0.00 | -0.00 | 0.01 | 0.01 | 0.01 | -0.00 | 0.02 | 0.01 | 0.01 |
| Diluted EPS | 0.00 | -0.01 | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.00 | 0.02 | 0.01 | 0.01 |
| Average Shares Outstanding Basic | 639,000.00 | 505,600.00 | 383,100.00 | 382,500.00 | 383,000.00 | 383,100.00 | 382,200.00 | 381,500.00 | 382,700.00 | 382,800.00 | 382,600.00 | 361,100.00 | 394,900.00 | 400,800.00 | 410,400.00 | 407,600.00 | 449,200.00 | 454,600.00 | 458,600.00 |
| Average Shares Outstanding Diluted | 639,500.00 | 505,600.00 | 384,000.00 | 383,400.00 | 383,700.00 | 383,900.00 | 383,400.00 | 382,400.00 | 383,600.00 | 383,800.00 | 383,800.00 | 361,900.00 | 396,400.00 | 402,300.00 | 412,200.00 | 409,600.00 | 450,900.00 | 456,200.00 | 460,100.00 |
| Breakdown | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | 2023-03-31 | 2022-12-31 | 2022-09-30 | 2022-06-30 | 2022-03-31 | 2021-12-31 | 2021-09-30 | 2021-06-30 | 2021-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 19,901,000.00 | 10,631,000.00 | 4,667,000.00 | -8,279,000.00 | 15,711,000.00 | 9,253,000.00 | 3,010,000.00 | 1,336,000.00 | 13,475,000.00 | 6,346,000.00 | 2,992,000.00 | 7,041,000.00 | 5,651,000.00 | 2,874,000.00 | -79,000.00 | 6,563,000.00 | 7,642,000.00 | 5,691,000.00 | 1,635,000.00 |
| Operating Net Income | -841,000.00 | -3,803,000.00 | 852,000.00 | 3,675,000.00 | 2,206,000.00 | 1,037,000.00 | 926,000.00 | 2,786,000.00 | 2,965,000.00 | 1,505,000.00 | 554,000.00 | 767,000.00 | 6,420,000.00 | 4,738,000.00 | 2,575,000.00 | 3,367,000.00 | 11,459,000.00 | 7,843,000.00 | 3,819,000.00 |
| Deprecation and Amortization | 3,655,000.00 | 1,823,000.00 | 812,000.00 | -1,609,000.00 | 2,423,000.00 | 1,617,000.00 | 806,000.00 | -2,029,000.00 | 2,428,000.00 | 1,576,000.00 | 1,251,000.00 | -1,619,000.00 | 2,367,000.00 | 1,623,000.00 | 839,000.00 | -1,716,000.00 | 2,628,000.00 | 1,714,000.00 | 855,000.00 |
| Deferred Income Tax | -1,404,000.00 | -2,262,000.00 | 262,000.00 | -115,000.00 | -501,000.00 | -353,000.00 | 116,000.00 | 359,000.00 | -513,000.00 | -400,000.00 | -169,000.00 | -577,000.00 | -371,000.00 | -11,000.00 | 187,000.00 | -894,000.00 | 580,000.00 | 574,000.00 | 345,000.00 |
| Share Based Compensation | 576,000.00 | 402,000.00 | 177,000.00 | -347,000.00 | 425,000.00 | 298,000.00 | 193,000.00 | -290,000.00 | 372,000.00 | 277,000.00 | 154,000.00 | -203,000.00 | 238,000.00 | 172,000.00 | 107,000.00 | -264,000.00 | 270,000.00 | 206,000.00 | 119,000.00 |
| Change in Working Capital | 1,810,000.00 | 1,045,000.00 | 234,000.00 | 446,000.00 | -1,375,000.00 | 155,000.00 | 167,000.00 | 4,590,000.00 | 1,292,000.00 | -1,902,000.00 | -2,369,000.00 | -14,312,000.00 | 7,252,000.00 | 6,195,000.00 | 5,236,000.00 | -6,224,000.00 | 6,874,000.00 | 3,990,000.00 | 980,000.00 |
| Other Operating Activities | 16,105,000.00 | 13,426,000.00 | 2,330,000.00 | -10,329,000.00 | 12,533,000.00 | 6,499,000.00 | 802,000.00 | -4,080,000.00 | 6,931,000.00 | 5,290,000.00 | 3,571,000.00 | 22,985,000.00 | -10,255,000.00 | -9,843,000.00 | -9,023,000.00 | 12,294,000.00 | -14,169,000.00 | -8,636,000.00 | -4,483,000.00 |
| Investing Cash Flow | 7,365,000.00 | 17,316,000.00 | 845,000.00 | -12,631,000.00 | -12,161,000.00 | -5,857,000.00 | 1,675,000.00 | 868,000.00 | -12,230,000.00 | -7,159,000.00 | -2,994,000.00 | 507,000.00 | -18,291,000.00 | -12,502,000.00 | 1,773,000.00 | -14,299,000.00 | -15,046,000.00 | -7,691,000.00 | 7,272,000.00 |
| Capital Expenditure | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Purchase/Sale of PPE | 1,134,000.00 | 747,000.00 | 348,000.00 | -427,000.00 | 848,000.00 | 536,000.00 | 247,000.00 | -415,000.00 | 700,000.00 | 441,000.00 | 235,000.00 | -363,000.00 | 644,000.00 | 423,000.00 | 230,000.00 | -325,000.00 | 504,000.00 | 341,000.00 | 178,000.00 |
| Net Purchase/Sale of Investments Net | 27,036,000.00 | 16,300,000.00 | 6,230,000.00 | -8,657,000.00 | 21,340,000.00 | 12,706,000.00 | 5,435,000.00 | -13,080,000.00 | 14,959,000.00 | 10,881,000.00 | 8,142,000.00 | -24,458,000.00 | 31,632,000.00 | 20,557,000.00 | 9,391,000.00 | -34,857,000.00 | 44,767,000.00 | 32,948,000.00 | 15,439,000.00 |
| Net Purchase/Sale of Business | -16,465,000.00 | -16,464,000.00 | 0 | 0 | 0 | 0 | 0 | -5,324,000.00 | 2,785,000.00 | 2,785,000.00 | 2,539,000.00 | 49,000.00 | 1,127,000.00 | 0 | 0 | 94,000.00 | 551,000.00 | 24,000.00 | 0 |
| Net Loan & Lease Activity | 3,001,000.00 | 2,288,000.00 | 2,091,000.00 | 2,506,000.00 | 2,452,000.00 | ||||||||||||||
| Other Investing Activities | -14,597,000.00 | 7,944,000.00 | -6,689,000.00 | -2,320,000.00 | -36,546,000.00 | -20,473,000.00 | -4,664,000.00 | 20,793,000.00 | -32,389,000.00 | -22,399,000.00 | -14,456,000.00 | 26,465,000.00 | -53,325,000.00 | -34,574,000.00 | -8,402,000.00 | 22,106,000.00 | -62,769,000.00 | -42,312,000.00 | -8,959,000.00 |
| Financing Cash Flow | -12,396,000.00 | -10,142,000.00 | -218,000.00 | 20,000.00 | 2,414,000.00 | 678,000.00 | 3,062,000.00 | -26,621,000.00 | 12,803,000.00 | 11,605,000.00 | 15,719,000.00 | -1,715,000.00 | 15,876,000.00 | 9,823,000.00 | 3,337,000.00 | 1,050,000.00 | -6,515,000.00 | -3,686,000.00 | 2,595,000.00 |
| Net Issuance/Repayment of Debt | 48,000.00 | 173,000.00 | 7,000.00 | -154,000.00 | -21,000.00 | 175,000.00 | 27,000.00 | 421,000.00 | -369,000.00 | -53,000.00 | -350,000.00 | -3,027,000.00 | -307,000.00 | -391,000.00 | 3,769,000.00 | -340,000.00 | 139,000.00 | 161,000.00 | 169,000.00 |
| Net Issuance/Repurchase of Equity | 1,875,000.00 | 747,000.00 | 469,000.00 | 376,000.00 | 828,000.00 | 588,000.00 | 330,000.00 | 366,000.00 | 799,000.00 | 567,000.00 | 322,000.00 | -1,694,000.00 | 5,016,000.00 | 4,611,000.00 | 2,553,000.00 | 7,987,000.00 | 7,251,000.00 | 4,038,000.00 | 654,000.00 |
| Dividends Paid | 1,187,000.00 | 744,000.00 | 291,000.00 | 576,000.00 | 871,000.00 | 581,000.00 | 292,000.00 | 578,000.00 | 869,000.00 | 580,000.00 | 291,000.00 | 557,000.00 | 890,000.00 | 601,000.00 | 308,000.00 | 1,019,000.00 | 1,094,000.00 | 486,000.00 | 245,000.00 |
| Other Financing Activities | -15,506,000.00 | -11,806,000.00 | -985,000.00 | -778,000.00 | 736,000.00 | -666,000.00 | 2,413,000.00 | -27,986,000.00 | 11,504,000.00 | 10,511,000.00 | 15,456,000.00 | 2,449,000.00 | 10,277,000.00 | 5,002,000.00 | -3,293,000.00 | -7,616,000.00 | -14,999,000.00 | -8,371,000.00 | 1,527,000.00 |
| Net Change in Cash | 14,856,000.00 | 17,907,000.00 | 5,294,000.00 | -20,886,000.00 | 5,964,000.00 | 4,074,000.00 | 7,747,000.00 | -24,417,000.00 | 14,048,000.00 | 10,792,000.00 | 15,717,000.00 | 5,834,000.00 | 3,237,000.00 | 196,000.00 | 5,031,000.00 | -6,690,000.00 | -13,913,000.00 | -5,683,000.00 | 11,503,000.00 |
| Cash at Beginning of Period | 43,671,000.00 | 43,671,000.00 | 43,671,000.00 | 64,557,000.00 | 43,755,000.00 | 43,755,000.00 | 43,755,000.00 | 68,172,000.00 | 31,256,000.00 | 31,256,000.00 | 31,256,000.00 | 25,422,000.00 | 22,054,000.00 | 22,054,000.00 | 22,054,000.00 | 28,744,000.00 | 40,771,000.00 | 40,771,000.00 | 40,771,000.00 |
| Cash at End of Period | 58,527,000.00 | 61,578,000.00 | 48,965,000.00 | 43,671,000.00 | 49,719,000.00 | 47,829,000.00 | 51,502,000.00 | 43,755,000.00 | 45,304,000.00 | 42,048,000.00 | 46,973,000.00 | 31,256,000.00 | 25,291,000.00 | 22,250,000.00 | 27,085,000.00 | 22,054,000.00 | 26,858,000.00 | 35,088,000.00 | 52,274,000.00 |
| Free Cash Flow | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |